help with letter to vodafone please

[BRIOT]

Hi
A few years ago,Vodafone and I went through a dispute that I finally took to the ombudsman and won. The outcome was I would get all my money back and my credit reference would be updated. In March this year we decided to try to improve our finances by purchasing property abroad, we were told everything was fine and we just need to get our mortgage offer. We went on holiday to Arizona and got a call while we were there saying, that a default was on my credit file and we were refused the mortgage because of it. I spent 2 days from ther calling vodafone it cost a fortune, I still didn't get anywhere. I sent emails, it ruined our hol. When I got back the ombudsman advised me to write to them. We had paid a deposit on the 2 properties and should have been paying the the rest. I wrote to vodafone asking for compensation and removal of default. They said they would pay the survey(which we didnt have to pay in thye end) and remove the default. It has been romoved now but I am now getting emails saying we have breached our contract and the lawyer abroad is screaming for his money too! this is so stressful, but yet Vodafone said they do not usually offer any compensation.(The ombudsman said I can claim up to £5000, but what can I claim for?) Sorry this is so long but please help

[buzby]

What a mess. If you can back up the story that Vodafone agreed to clear your credit file and did not, then legal action for recovery of your consequential loss should be straightforward.

However, have you looked at your file? I think it strange that you would be rejected for a non-CCJ default marked as satisfied. It usually pays to check your file in ADVANCE of any transaction and Vodafone could argue you were also partially negligent (which is a crock, but some judges agree).

[BRIOT]

Originally Posted by buzby

What a mess. If you can back up the story that Vodafone agreed to clear your credit file and did not, then legal action for recovery of your consequential loss should be straightforward.

However, have you looked at your file? I think it strange that you would be rejected for a non-CCJ default marked as satisfied. It usually pays to check your file in ADVANCE of any transaction and Vodafone could argue you were also partially negligent (which is a crock, but some judges agree).

Thanks for replying. Yes I can back it up, as the ombudsman has opened up a new file and linked the old one to it (including the conclusion).
i should have checked my file before hand, however my financally advisor(who we've been using for years)did the paperwork and assured us that we would be sent the offer within a week, we've never had a problem before, and my circumstances haven't changed. Unless he was lying, which I doubt as I totally trust him, but he said it was solely because of the default.

[buzby]

Irrespective of your complaint with Vodafone, I think firms that treat speculative 'defaults' without the backing of a court order as the same as a CCJ should be shot. Ignorance is one thing, giving you this hassle over nothing is criminal. Since Experian operate in the US (and are a US company, I think they need a good kicking too...).